Fuji X-20 compared to Nikon D50

Certainly is something to keep in consideration.

However, I should mention that a bouncer at a Miami club told me my x100 was a "professional camera" and couldn't be used for taking photos inside the club.  I did have the lens hood on it though, and a camera strap.  Stripped of the hood and strap, I may have faired better.  Or maybe he just wasn't as dumb as he looked, and knew it was a pro level camera.